Agri-Business Lending

Understanding the cyclical side of farming.

Agri-business can be cyclical and requires a financial partner that understands this fact. With constant changes, from commodity pricing to uncontrollable weather, the challenges related to farming are unique and unpredictable at times.

Midland's lending team understands what it takes to manage a farm – whether a family farm operation or a complex enterprise – by listening to you and understanding your goals. We'll develop a customized package of financial services that can help assist you with capital, managing your cash and protecting your assets. Our products and services are designed to help you meet these challenges, assisted by our dedicated agribusiness team who understand the issues affecting your region and business.

Midland offers financing for all types of agri-business needs:

  • Farm equipment purchases
  • Crop production
  • Livestock production
  • Agricultural products and supplies
  • Agricultural land purchases

Term Loans

Expand your business or consolidate debt with our business term loans. This type of financing is perfect for the acquisition of equipment, machinery, facilities, vehicles or debt restructuring. Our term loans can fund your longer term needs with affordable payments today.

We offer a variety of flexible loan options:

  • Terms ranging from 1 to 10 years
  • Fixed or variable rate options
  • Payments tailored to your cash flow
  • Secured or unsecured loans available

Lines of Credit

Respond to changing cash flow needs with a business line of credit. A revolving line of credit provides working capital for a business, which has sales growth greater than its working capital. In addition, a seasonal line of credit helps fund inventory and carry accounts receivable during business peaks. Our Business Line of Credit is a revolving line subject to annual review. Your business will have the cash it needs, when it's needed.

Business Line of Credit Account Details:

  • Flexible interest-only payment option
  • Low monthly payments
  • Fast approvals allow for quicker availability of proceeds
  • Worry-free banking with automatic payment deduction is available
  • Competitive rates and fees

Real Estate

We offer financing for agricultural land acquisition and development, as well as construction of residential housing and commercial properties. In addition, a Midland commercial real estate loan can be used to both purchase and improve new and existing real estate property.

When you work with Midland, you will experience our relationship management approach. You will work with the same Commercial Relationship Manager and internal loan team from initial contact through the completion of your project – a model of continuity that not all banks offer. This allows our team to get to know your business to better serve your individual needs.

We lend for:

  • Income producing property
  • Residential development and construction
  • Owner-occupied property

We offer permanent loans on commercial real estate with amortizations ranging from 15-25 years and maturities of 5-7 years.

Business Credit Cards

As a business owner, you need a credit card that you can count on – one that is widely accepted, convenient and that offers the perks and rewards that you value most.

Whether you're interested in the simplicity of a traditional card, a card that rewards you for travel purchases, or a card with platinum purchasing power, you can count on Midland to provide you with credit card options best suited to meet your needs.

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Still have questions?

When you have a question, we're just a phone call away. Our Customer Care Specialists are available to answer your account questions quickly by calling us at 1-855-MY-MIDLAND.

Midland Locations

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Our full-service Banking Centers are available for your daily transactions, but also available for those special inquiries to discuss your everyday banking, financing or wealth building needs. Find a location